, we see that expanding as well, that is something clearly that the obama administratio is focused on how to get regulator sense message to lenders they want them to make lones to qualified americans to buy houses. melissa: how do they do that? attacking j.p. morgan, and levering huge nds on them? you feel like that will help you down the road? >> n that is not the right approach, also we have to have regulatory vote environment that enforces the rule. we should be spending energy on letting the rent lenders know they can make judgment calls when it comes to who would qualify, if we see that you will see those permit numbers increase, when it comes to single family homes, it is the average consumer, middle income american that will buy in that market sector. melissa: consumer confidence, hitting a 7 month low today does that make you nervous? >> a little bit, it does, you know, what slapping circumstance american -- what is happening, americans are frustrated with what is going to in the government, the last shut down. unemployment still is significant, and job growth is stagnant.